“bar mitzvah lessons (parsha and haftorah) are typically $65 for 35 min once a week for a year before the bar mitzvah = approx. $3k”
Maybe in your neighborhood, not in ours.
Bar Mitzvah lessons come along with synagogue dues, here in suburban CT. They are taught either by the shul Rabbi or Educational Director (the Talmud Torah principal who deals with the members who attend public or private non-Yeshiva schools). It is customary to give the teacher a $300-500 gift at the end of the teaching. Takes about 6 months twice a week for an hour. The initial Trop classes are held for all Bar Mitzvah boys in the shul as a group. Haftorah and leyning of the specific parsha is private.
Our grandsons’ day schools teach the trop to all 6th grade boys as part of regular classes.
In my day, one went to the local Hebrew Book Shop and bought a 78RPM record and the Parsha/Haftorah booklet for about $10 a set. The shul Shammos gave lessons Tuesday nights and Sunday afternoons for about $1 per lesson. My zeidy taught me and my sons. I have taught 2 of my grandsons , the others have been taught by my SILs’ fathers..they didn’t want a Litvak (Tayrah) pronunciation.